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Discuss the effects of negative interest rates on banks’ performance and financial stability. Analyze the competitive threats and opportunities of BigTech and Fintech companies for banking intermediaries and the implications for financial stability. What are, in your opinion, the main effects of the Covid-19 pandemic on banks and financial
Take the unit weight of water as gw = 10 kN/m3 . Question 1 (a) You are required to design a long concrete gravity retaining wall to be constructed on the sand and backfilled along with its full 9m height with silty sand. While you are free to choose the quality of the concrete to be used as a retaining wall, the lumped factor of safety against be
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Provide a short description of ‘social harm’ and briefly indicate why it challenges traditional criminological approaches. First, describe what is social harm and then discuss in terms of the following: - Ontologically (i.e. transcend social construction, focus on human needs and why they are sometimes not met) - Sociologically (i.e. it’s no
